| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINT TRAIL INDIANAPOLIS, IN 46250 | FIRSTRELIANCESTANDARD | $17K | — | $17K | 7.50% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINT TRAIL INDIANAPOLIS, IN 46250 | FIRSTRELIANCESTANDARD | $9K | — | $9K | 7.50% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | P.O. BOX 55210 INDIANAPOLIS, IN 46205 | VSP VISION CARE | $2K | — | $2K | 5.01% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINT TRAIL INDIANAPOLIS, IN 46250 | FIRSTRELIANCESTANDARD | $2K | — | $2K | 10.45% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINT TRAIL INDIANAPOLIS, IN 46250 | FIRSTRELIANCESTANDARD | $2K | — | $2K | 10.00% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINT TRAIL INDIANAPOLIS, IN 46250 | FIRSTRELIANCESTANDARD | $732 | — | $732 | 7.50% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINT TRAIL INDIANAPOLIS, IN 46250 | FIRSTRELIANCESTANDARD | $481 | — | $481 | 7.51% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINT TRAIL INDIANAPOLIS, IN 46250 | FIRSTRELIANCESTANDARD | $36 | — | $36 | 0.72% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINT TRAIL INDIANAPOLIS, IN 46250 | FIRSTRELIANCESTANDARD | $78 | — | $78 | 2.83% |
| TURNKEY BENEFIT INSURANCE SERVICES3 | 8330 ALLISON POINT TRAIL INDIANAPOLIS, IN 46250 | FIRSTRELIANCESTANDARD | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC EIN 35-1450364 NONE | Claims processing Service code 12 | — | $136K |
| ALLIANT INSURANCE SERVICES EIN 33-0785439 NONE | Insurance agents and brokers Service code 22 | — | $115K |
| CIGNA PPO EIN 84-0467907 NONE | Claims processing Service code 12 | — | $107K |
| AMERICAN HEALTH DATA INSTITURE EIN 35-2048379 NONE | Claims processing Service code 12 | — | $71K |
| ANTHEM BLUE CROSS EIN 23-7391136 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing; Float revenue Service code 12 | — | $38K |
| VSP VISION CARE EIN 22-2777159 NONE | Contract Administrator Service code 13 | — | $10K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 322 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY | 406 | $912K |
| Vision | VSP VISION CARE | 376 | $37K |
| Life insurance | FIRSTRELIANCESTANDARD | 444 | $116K |
| Long-term disability | FIRSTRELIANCESTANDARD | 445 | $0 |
| Prescription drug | UHA HEALTH INSURANCE | 1 | $7K |
| Other(7 contracts) | FIRSTRELIANCESTANDARD | 445 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.